How do credit card points work? By Troy Dennis

It's exactly how it sounds like - read the title:)Here are some of the specific questions we've covered during the interview:- Travel cards, let's start with the definition here - what is it and how is it different from a regular credit card?- How do the reward points work? Who offers them and why?- What actually happens when you click "redeem points" to, say, book a rental car for your trip? How do these funds settle on the backend?- If the cash equivalent is sent to the provider (car rental in this case), why is it more efficient for the consumer to redeem points through a provider rather than receiving cash-back?- Let's talk about people who are worried about getting new credit cards or overuse their existing cards. What are the key "unknown" factors that might affect the credit score of an individual?- expand on the topic if time permits.